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    <title>XPay个人收款支付系统v3.1 完全免费开源 个人支付宝、微信、QQ免签支付 个人免签支付 支付宝转账码
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                            <h2>支付宝当面付开通说明</h2>
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                            <h5>申请开通流程</h5>
                            <p class="payment-detail">1.进入XPay支付页面捐赠成功后您将获取到开通教程，<span
                                    style="color:red;">开通无需营业执照，完全免费，个人可申请签约</span> <a href="/pay"
                                                                                                          target="_blank">点我立即获取教程</a>
                            </p>
                            <p class="payment-detail">2.收到开通成功邮件，
                                登录 <a href="https://mrchportalweb.alipay.com/product/productManage.htm"
                                        target="_blank">支付宝商家中心-产品签约管理</a> 中查看，
                                查看官方当面付接口文档进行下一步开发即可</p>
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                            <h5>开发教程</h5>
                            <p class="payment-detail">具体请查看 <a href="https://docs.open.alipay.com/194/106078/"
                                                                    target="_blank">支付宝当面付产品官方文档 </a>，有非常详细的接口说明和示例，向您发送的XPay源码中也包含详细文档和示例，以下仅简要说明主要所需的接口：
                            <p class="payment-detail">1.使用 <a
                                    href="https://docs.open.alipay.com/api_1/alipay.trade.precreate" target="_blank">alipay.trade.precreate(统一收单线下交易预创建) </a>
                                接口获取每笔订单收款二维码</p>
                            <p class="payment-detail">2.通过 <a href="https://docs.open.alipay.com/194/103296/"
                                                                target="_blank">异步通知 </a>
                                获取官方通知回调</p>
                            <p class="payment-detail">3.使用 <a
                                    href="https://docs.open.alipay.com/api_1/alipay.trade.query" target="_blank">alipay.trade.query(统一收单线下交易查询) </a>
                                接口查询每笔订单支付结果</p>

                            <h5>常见问题</h5>
                            <h2>开通需要提供什么资料？</h2><br>
                            <p class="payment-detail">申请时仅需填写你的姓名、手机号、邮件等信息，可无需营业执照</p>
                            <h2>提交申请后开通成功需要多久？</h2><br>
                            <p class="payment-detail">
                                08:00~20:00时间段申请预计3小时内办理成功（法定节假日顺延），由于需支付宝客服人工审核，请耐心等待！</p>
                            <h2>任何产业都能开通接入吗？</h2><br>
                            <p class="payment-detail">
                                您将开通的是支付宝官方接口，拥有成熟的风控系统，违反国家法律法规的业务请自觉不要申请！</p>
                            <h2>收款有何限制？</h2><br>
                            <p class="payment-detail">
                                1、签约时未提供同名营业执照（营业执照主体与支付宝账户认证主体同名），收款将会受到一定的限制，具体限制规则为交易限额：单笔收款≤1000，单日收款≤5W，不区分借记或贷记渠道。
                                2、签约时提供了同名营业执照，或者签约后补充了同名营业执照，收款不受限额。
                                <a href="https://cshall.alipay.com/enterprise/knowledgeDetail.htm?knowledgeId=201602191944"
                                   target="_blank">详见官方说明</a>
                            </p>
                            <h2>费率如何计算？</h2><br>
                            <p class="payment-detail">
                                不提供营业执照基础版目前每笔交易为0.38%，全部由支付宝官方收取，若提供营业执照不限额版费率为0.6%，实际以签约时支付宝产品协议为准</p>
                            <h2>开通后有效期为多久？</h2><br>
                            <p class="payment-detail"><span style="color:red;">长期有效，自动续约。</span>
                                可进入 <a href="https://mrchportalweb.alipay.com/product/productManage.htm"
                                          target="_blank">产品签约管理</a> 中查看</p>
                            <h2>是否有风控？</h2><br>
                            <p class="payment-detail">
                                您将开通的是支付宝官方接口，拥有成熟的风控系统，请避免大额频繁异常交易！</p>
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